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Life Insurance Quotes: $250k of coverage from $8/month

Short Description : Life Insurance In Your 20s Can Help Prevent Unexpected Financial Challenges.

Life insurance is a customizable amount of money that people leave behind to ensure their debt and final expenses do not burden their loved ones. It also makes it easier for their family to focus on recovering emotionally and not financially.

There are a number of differences between your life insurance options, but the concept is the same for all of them. You pay a set premium to an insurance company and if you die while your policy is active, the insurance company will payout the designated funds to your beneficiaries.

**Beneficiaries: Are the people or organizations, you choose to receive your life insurance money.

Why is it important to have life insurance?
If you have loved ones that depend on your income now, life insurance is a great way to provide financial security for their future. Without a life insurance plan in place, you’ll leave your family with the stress of finding the funds to pay for a funeral as well as any past, present and future debt.

How does term life insurance work?

Provides financial security
Term life insurance is the most basic form of life insurance. It’s designed to be an affordable means of replacing the income of a provider should he or she die unexpectedly during a family’s most financially vulnerable years.

Beneficiaries receive insurance payout
If you own a term life insurance policy and you die at any point during those covered years (the term length) your beneficiaries receive a check in the coverage amount you chose. This coverage amount is also called the face amount and death benefit.

Pay fixed premiums for your coverage
The term length and coverage amount you choose should be based on your family’s financial needs. Term life insurance coverage amounts range from $50,000 to over $65 million based on your net worth. Term length options can last for 10 to 40 years (depending on your age).

If you are not sure how much term life insurance you need, our licensed agents can help and you can also use our term life insurance needs calculator to get an idea.

All types of death are covered
A term life insurance policy covers all types of death whether accidental, illness, or old age. There are very few exclusions in life insurance contracts. The most common one is a suicide clause.

This clause typically states that if suicide is the cause of death within the first two years of purchasing the policy, the insurance company will only refund the premiums paid and is not obligated to pay out the death benefit. Another exclusion is attempting to defraud the life insurance company.

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